IFSC Code of Kotak Mahindra Bank Limited, Gangtok Branch Branch, Sikkim

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's GANGTOK BRANCH branch in GANGTOK, SIKKIM. The branch's IFSC code KKBK0009552 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Kotak Mahindra Bank Limited – GANGTOK BRANCH is KKBK0009552. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009552 map to this branch in GANGTOK, SIKKIM.

Branch details at a glance

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Gangtok Branch branch in Gangtok. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KKBK0009552.

About the Gangtok Branch branch

The Gangtok Branch branch of Kotak Mahindra Bank Limited is situated at SIKKIM FIRST FLOOR,CHOTA BANK BUILDING,M G MARG,GANGTOK,SIKKIM 737101. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KKBK0009552 is used.

Why every Kotak Mahindra Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GANGTOK BRANCH of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0009552 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KKBK0009552 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KKBK0009552

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC KKBK0009552 across all three.

NEFT to Kotak Mahindra Bank Limited, GANGTOK BRANCH using IFSC KKBK0009552

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KKBK0009552, and confirm that the system picks up Kotak Mahindra Bank Limited – GANGTOK BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KKBK0009552

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Kotak Mahindra Bank Limited – GANGTOK BRANCH, ensure your bank's portal accepts IFSC KKBK0009552 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – GANGTOK BRANCH, use IMPS. With IFSC KKBK0009552 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KKBK0009552 for Kotak Mahindra Bank Limited – GANGTOK BRANCH, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Gangtok Branch branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC KKBK0009552

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Kotak Mahindra Bank Limited – GANGTOK BRANCH is still mapped to IFSC KKBK0009552. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC KKBK0009552 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gangtok Branch branch is mapped to IFSC KKBK0009552 on the RBI payments network. The branch generally supports the full retail product catalogue of Kotak Mahindra Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains KKBK0009552.

Banking services available

The Gangtok Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2662666.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KKBK0009552

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Kotak Mahindra Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KKBK0009552 and the account number together uniquely identify the Gangtok Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KKBK0009552

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GANGTOK BRANCH branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KKBK0009552 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC KKBK0009552

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Kotak Mahindra Bank Limited – GANGTOK BRANCH, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KKBK0009552.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Gangtok Branch branch

The branch is located at SIKKIM FIRST FLOOR,CHOTA BANK BUILDING,M G MARG,GANGTOK,SIKKIM 737101, which puts it inside Gangtok, the broader East Sikkim district, and the state of Sikkim. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Gangtok Branch branch” — the verified location pin for IFSC KKBK0009552 should appear at the top of the results.
2. Confirm the branch is open by calling 1860-2662666 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC KKBK0009552 and your account number.

Verifying IFSC KKBK0009552 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KKBK0009552 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1860-2662666.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Gangtok Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0009552, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0009552 belongs to Kotak Mahindra Bank Limited's GANGTOK BRANCH branch, located at SIKKIM FIRST FLOOR,CHOTA BANK BUILDING,M G MARG,GANGTOK,SIKKIM 737101 in GANGTOK, SIKKIM. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.